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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Good evening to you all,i have spent hours resding this excellent forum and need some help.

 

firstly

my wife and I are preparing to go bankrupt after a failed iva and just recieving notice of mortgage shortfall after repossesion total £83000.

how do we file a joint petition?I know we have to fill individual forms etc is there any form we have to fill in?

 

secondly

we have a child on dissability allowance,can this be used towards paying debts.

 

thirdly

our son has a savings account with my wife as trustee can this be used by the 0R

 

lastly

our son being autistic loves his tv will they let us keep our sky hd package

his condition means we dont go out much at all sohe would be lost without his telly.

 

i know there is alot of questions but we need to go into this prepared

many thanks:confused:

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Good evening to you all,i have spent hours resding this excellent forum and need some help.

 

firstly

my wife and I are preparing to go bankrupt after a failed iva and just recieving notice of mortgage shortfall after repossesion total £83000.

how do we file a joint petition?I know we have to fill individual forms etc is there any form we have to fill in?

 

secondly

we have a child on dissability allowance,can this be used towards paying debts. no it should not

 

thirdly

our son has a savings account with my wife as trustee can this be used by the 0R no it can not

 

lastly

our son being autistic loves his tv will they let us keep our sky hd package

his condition means we dont go out much at all sohe would be lost without his telly. get a doctors note

 

i know there is alot of questions but we need to go into this prepared

many thanks:confused:

 

who's paying for the banlruptcy, or are you being made to go bankrupt?

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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hi you do not petition jointly you each petition seperatly (you can do it at the same time though)

 

They wont take the sons account of the DLA, the SKY is not usually allowed in the calculation of essential expenditure ( this doesnt mean that you cantt ahve it just you have to pay out or your surplus) but they may make an exception if you have special circumstances

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who's paying for the banlruptcy, or are you being made to go bankrupt?

HI PGH7447

We are paying ourselves out of money which would have paid Iva if not failed.

we are worried that it is only a matter of time before our creditors come calling again and with our mortgage company demanding their shortfall

we want to get these debts off our back as soon as.

we are looking at filing petition towards end of april.

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hi you do not petition jointly you each petition seperatly (you can do it at the same time though)

 

They wont take the sons account of the DLA, the SKY is not usually allowed in the calculation of essential expenditure ( this doesnt mean that you cantt ahve it just you have to pay out or your surplus) but they may make an exception if you have special circumstances

 

 

thanks debt info

when we file our petitions,do we then just take both into gether and state we are married so we get seen at same time?

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OK Good luck - sorry I could not be of much help

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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you may get seen together, you may not, depends on the judge, some judges dont see you at all they just look at the papers and stamp the order.

 

Just a couple of thoughts for you

 

have you got a certificate of failure for the IVA, the judge will want a copy.

 

Have you taken any financial advice, some good free impartioal people are the CCCS, National debtline and CAB, Eveb if you know it is the right choice the judge will ask that you have taken advice so that you know what you are letting yourself in for.

 

Finally have you given any thought to your bank account, certain companies will not let you have a bank account whilst bankrupt, good basic accounts are barclays and co-op

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you may get seen together, you may not, depends on the judge, some judges dont see you at all they just look at the papers and stamp the order.

 

Just a couple of thoughts for you

 

have you got a certificate of failure for the IVA, the judge will want a copy.

 

Have you taken any financial advice, some good free impartioal people are the CCCS, National debtline and CAB, Eveb if you know it is the right choice the judge will ask that you have taken advice so that you know what you are letting yourself in for.

 

Finally have you given any thought to your bank account, certain companies will not let you have a bank account whilst bankrupt, good basic accounts are barclays and co-op

 

i have not recieved one yet but will chase one up,never thought of that so cheers Debtinfo.

i already have a nat west step account so hopefully that will be ok,just need to sort the wifes out.

the company with whom i had the IVA have said to me that now i have the notice of shortfall going bankrupt is the only solution.

I suppose thats good enough advice.

I have spoken to the mortgage company and they are happy to accept a token payment of £1 until our case is seen to,they will then discuss it with our O/R whatever that means.

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Be aware that, at the instant you are declared bankrupt, your bank accounts are controlled by the Official Receiver. They will probably be frozen until the OR does what he needs to do.

On the morning of the hearing but prior to it I would withdraw all the cash you can just in case.

 

As for the mortgage company they are obviously resigned to losing out on the shortfall. What they are referring to is that any shortfall is an unsecured debt and therefore included in the bankruptcy. The OR will be told about this (presumably by yourself in the first instance) and then any discussions will take place directly between the OR and the mortgage company.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Just before your BR withdraw enough cash to cover your LIVING EXPENSES only as the OR will want to know what you do with anything else and you may be asked to pay anything non essential back!

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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thanks for all the advice guys and gals you have all been very helpful.

I have two more questions

 

firstly

On s.o.a its asks "date incurred" does this mean date took out credit card?and reason for debt?these were taken out along time ago so what should i put down?

 

secondly

I have been looking at cardone banking should they close our accounts,has anyone had experience of this account.

I have the basic step account and my wife has a basic halifax account(no chequebook or o/d facility.:rolleyes:

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1) for creditcards it is when you spent most of the money for instance if you took a card out 10 years ago and used all the credit last week to buy a car, you would put last week down, if you bought the car 10 years ago and the rest is just interest i would put a date 10 years ago down. If there are no big purchases put down when you last used it.

 

2) Halifax will probably close the account, as i said before barclays and co-op do accounts specifically for these situations

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Barclays freeze the account and send all funds to the OR as they are unable to hold the funds.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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There is only one type of Barclays basic account and they froze mine and sent the funds to the OR!

 

The OR did send the funds back to Barclays as they comprised of benefits and student loan, but I could have done without the hasstle as some D/Ds were returned unpaid and I was charged for them. Fortunately Barclays waived the fees.

Edited by babybear39
added something.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Of the hundreds of people i have have helped on the forums i post on that have had the barclays account i know of only 1 or 2 that have had their account frozen

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I was informed by the branch that it was Barclays policy to freeze accounts and send funds to the OR.

 

Anyone wishing to open a basic account should ask the manager at the branch what happens during BR.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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